| AUTO LOAN RATES |
| TYPE |
APR |
MAXIMUM TERM |
AMOUNT DOWN |
| New Auto |
4.99% |
36 Months |
0% |
| New Auto |
5.50% |
48 Months |
0% |
| New Auto |
6.25% |
72 Months |
10% |
| Used Auto (1 to 4 Years Old) |
6.75% |
60 Months |
10% |
| Used Auto (5 to 6 Years Old) |
6.95% |
48 Months |
10% |
Finance percentage based on lowest of purchase price, or NADA Book Value |
| RECREATIONAL VEHICLES |
| Boats, Motorcycles, Etc. |
10.0% UP TO 84 Months |
| REAL ESTATE LOANS |
| TYPE |
APR |
AMOUNT |
| Second Mortgage |
Call for Rate |
$10,000 Minimum |
| Home Equity |
Prime Rate |
|
| A Processing Fee must be paid by the borrower |
| PERSONAL LOANS |
| TYPE |
APR |
AMOUNT |
| Closed End Signature Loan |
13.99%
up to 60 Months |
$10,000 Maximum |
| Passbook Loans - Share Secured |
3%
above Shares |
$500 Minimum |
| CHECKING ACCOUNT INFORMATION |
Minimum Balance: $5.00 |
Overdraft Fee: $25.00 Per Item |
| Monthly Service Charges: None!! |
Overdraft Transfer Fee: $5.00
|
| SAVINGS OPTIONS AVAILABLE |
| TYPE OF ACCOUNT |
TERMS |
DIVIDEND |
| Club Account |
$300 Minimum |
.40 % A.P.R. / .41 % A.P.Y. |
| Money Market |
$2500 Minimum |
1.00 % A.P.R. / 1.01 % A.P.Y. |
| Money Market |
$10,000 Minimum |
1.50 % A.P.R. / 1.52 % A.P.Y. |
| Certificate Of Deposit - 1 Year |
$500 Minimum |
1.00 % A.P.R. / 1.01 % A.P.Y. |
| Certificate Of Deposit - 1 Year |
$5,000 Minimum |
1.50 % A.P.R. / 1.51 % A.P.Y. |
| Certificate of Deposit - 6 Month |
$500 Minimum |
.90 % A.P.R. / .91 % A.P.Y. |
| Certificate of Deposit - 6 Month |
$5,000 Minimum |
1.25 % A.P.R. / 1.26 % A.P.Y. |
| I.R.A. Account |
$ 2,000 Minimum |
1.90 % A.P.R. / 1.92 % A.P.Y. |
| Regular Shares |
$ 300 Minimum |
.40 % A.P.R. / .41 % A.P.Y. |
Dividend calculated using lowest monthly balance. Any exceptions to any loan amount or rate will be brought to Credit Committee for approval and noted monthly at the Board of Directors Meeting.
All rates are subject to change without notice. Call us at (978) 745-9803 |
Rates are Effective November 1st, 2009
ALL LOAN RATES and/or TERMS SUBJECT TO CHANGE WITHOUT NOTICE |
